Yes, and you pay a 30% fee for that

This really is the crux of the problem - I don’t think Apple “deserves” 30% cut[1], but I would rather pay with Apple Pay if necessary, or through iAP than give my CC, name, address, email, … to more companies, certainly not any of those ones that have sketch approach to security, or explicitly sell your info for profit.

[1] I think that there is an argument to be made that the store fee subsidizes everything that people don’t generally pay Apple for explicitly, which makes it possible for free/cheap apps to exist. I don’t personally feel like that argument reaches 30% however.

Good news, you can have your cake and eat it too. Get an Apple Card, buy it through the web, and then request a new CC number from the wallet App.